Health insurance is effective the first day of the month following your start date unless you started on the first work day of the month. 

Example 1:

Start date is October 18th—
Health Insurance starts November 1st.

Example 2:

Start date is March 1st (the first work day in the month)—
Health Insurance starts March 1st.

Your Health insurance deduction is taken over 20 pays from September through June. There are no deductions taken in July and August. To cover the summer months of July and August, an additional deduction is taken from January through June.

To calculate what that additional amount is, take your pay period amount on your Benefits Summary sheet and multiply it by 4. Take that amount and divide by 12. 

Example:

BPA RASHP Value Single is $41.05 a pay period.

$41.05 x 4 = $164.20; then $164.20 /12 =$13.68. 

$13.68 is the amount that would be taken in addition to the $41.05 pay period amount.

For the months of January through June, $54.73 would be your health insurance deduction.

HMO stands for Health Maintenance Organization, and with an HMO you must have a primary care physician that you see first for all medical issues.

If they are unable to treat you, you will be sent to a specialist within a network of health care providers (doctors, hospitals, etc.). 

All of our RASHP 2 plans (RASHP 2 Value, RASHP 2 Select, RASHP 2 Extended) are HMOs.

Employees pay 100% of their medical and prescription costs until the deductible is met—which is $1800 for a single plan and $3600 for a family plan starting January 1st of each year.

Once the deductible is met, the employee pays 10% of medical expenses and prescription co-pays of $5/$35/$70 until the maximum paid by the employee is met.

The maximum for single is $3600 and Family is $7200. After the max has been paid out, Excellus pays 100% of covered services.

Employees can change Health insurance during Open Enrollment, which lasts from November 1 through November 30th every year.

The plan you changed to will start the following January 1st.

You may be able to transfer to BOCES coverage within 30 days of a “qualifying event”, which allows enrollment in insurance plans due to loss of coverage, marriage, birth of a child, etc.

You need to complete an affidavit with specific qualifications.

Once your eligibility is verified, your partner can be on your coverage. You will be responsible for the FICA/Medicare taxes on the difference in costs between insurance for yourself and insurance for you and your partner. You’ll receive a letter with that amount and a deduction will be taken every pay period.

BOCES will pay you a stipend according to your contract in June and December once you have completed the Opt Out Form and provided proof of insurance. This amount will be prorated based on start date and part time.

Proof of insurance can be a medical card with your name on it or a letter from the employer stating that you and your dependents are covered.

We need the Opt Out Form and proof of insurance every calendar year.

When you are terminated from your parents’ policy, you will be eligible to transfer to BOCES’ insurance. This can happen because you have a “qualifying event”, which allows enrollment in insurance plans due to loss of coverage, marriage, birth of a child, etc.

You need to submit your paperwork (Enrollment/Change Form) to transfer within 30 days of your 26th birthday.

Our Health insurance rates change January 1st of every year, and they can increase, decrease or even stay the same.

You may continue coverage after leaving Monroe One through a federal law called COBRA. However, you will pay full cost plus a 2% administrative fee to Excellus.